There has been a lot of discussion in recent years about the effects of the Final Basel III agreements, with much of the talk focusing on the potential for the agreements to lead to strong increases in capital requirements for European banks.
What is less well-known is the fact that the package has the potential to substantially change the competitive dynamics of the banking market, and therefore will have a very diverse impact on different portfolios. This will have implications for how banks allocate capital costs to customers, which market they choose to operate in, and how they price their lending products.
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